Real estate investors acquiring fix-and-flip properties, BRRRR rentals, or value-add commercial assets in South Carolina (SC) have access to deep institutional bridge liquidity in 2026. However, underwriting a profitable bridge loan in South Carolina requires accounting for state-specific foreclosure mechanics, recording taxes, property tax reassessments, and submarket ARV rules across Charleston-North Charleston-Mount Pleasant, Greenville-Spartanburg-Anderson (Upstate), Columbia, Myrtle Beach-Hilton Head.
Interest Rate Range: 9.25% to 11.25% (Interest-Only) | Origination Points: 1.25% to 2.0%
Standard Max Leverage: Up to 90% LTC / 75% ARV | Foreclosure Framework: Judicial Foreclosure (Master-in-Equity expedited docket; ~150 to 180 days)
Active Metro Markets: Charleston-North Charleston-Mount Pleasant, Greenville-Spartanburg-Anderson (Upstate), Columbia, Myrtle Beach-Hilton Head
Top Verified Bridge Loan Lenders Active in South Carolina
Compare the leading national and regional bridge lenders actively funding 1 to 4 unit flips, rental bridges, and commercial real estate transactions across South Carolina:
| Lender & Specialty | Interest Rate & Points | Max LTC / ARV | Loan Amounts | Min FICO | Close Speed | Action |
|---|---|---|---|---|---|---|
|
Top Overall Fix & Flip Lender
Kiavi
Best for Tech-Enabled Fix & Flip and Fast Closings
|
8.25% to 11.50%
Points: 1.0% to 2.0%
|
100% LTC
Up to 80% ARV
|
$75K to $5M
49 States + DC
|
640+ | 7 to 10 business days | View Terms Review |
|
Best Low-Credit & STR Bridge
Easy Street Capital
Best for Low-FICO Investors & 48-Hour Term Sheets
|
8.90% to 11.90%
Points: 0 to 2.0% + $1,995 doc fee
|
93% LTC
Up to 75% ARV
|
$75K to $5M
46 States
|
600+ | 5 to 10 business days | View Terms Review |
|
Best Multifamily & Construction
Lima One Capital
Best for Heavy Rehab, Ground-Up & Multifamily Bridge
|
7.75% to 11.75%
Points: 1.5% to 2.5%
|
95% LTC
Up to 70% ARV
|
$100K to $10M
46 States + DC
|
660+ | 10 to 14 business days | View Terms Review |
|
Best Repeat Investor Pricing
RCN Capital
Best for Repeat Fix-and-Flip & Wholesale Acquisitions
|
9.49% to 11.75%
Points: 1.5% to 2.5%
|
100% LTC
Up to 75% ARV
|
$75K to $3M
44 States
|
650+ | 10 to 14 business days | View Terms Review |
|
Best Portfolio & Institutional
CoreVest Finance
Best for Portfolio Bridge Lines & Commercial Aggregators
|
8.75% to 10.75%
Points: 1.0% to 2.0%
|
93.5% LTC
Up to 70% ARV
|
$75K to $50M
47 States
|
640+ | 14 to 21 business days | View Terms Review |
|
Best Small-Balance CRE Bridge
Versara Capital
Best for Small-Balance Commercial and Hard-to-Place Deals in 5 States
|
9.90% to 14.90%
Points: Flat $995 to $1,995 fee (no points)
|
100% LTC
Up to 80% ARV
|
$50K to $5M
5 States (AZ, TX, NC, GA, AL)
|
400+ | 48 hours to 7 days | View Terms Review |
|
Top Residential Equity Unlock
HomeLight Buy Before You Sell
Best for Owner-Occupants Unlocking Equity for a New Primary Home
|
Program Fee 1.5% to 2.4%
Points: 1.5% to 2.4% Unlock Fee
|
90% LTC
Up to 90% ARV
|
$100K to $2M
47 States (not AK, MA, NY)
|
620+ | 7 to 14 days equity approval | View Terms Review |
South Carolina Foreclosure Law, Transfer Taxes & Closing Cost Rules
Although South Carolina is a judicial foreclosure state, commercial and mortgage foreclosures are referred directly to a specialized county judge known as the Master-in-Equity, bypassing jury calendars and completing far faster than in New York or New Jersey. South Carolina charges zero mortgage recording tax, is an attorney-closing state, and is headquarters to Lima One Capital (Greenville, SC).
Bridge-to-DSCR & Flip Exit Underwriting in South Carolina
CRITICAL SOUTH CAROLINA TAX RULE: South Carolina assesses owner-occupied primary residences at a 4% assessment ratio with school tax exemptions (~0.55% effective tax rate), but assesses non-owner-occupied investment rentals at a 6% assessment ratio WITH full school taxes (~1.80% to 2.60% effective rate, often 3x the seller's tax bill). Always use the 6% investor tax rate in our Bridge-to-DSCR Calculator!
How to Size Your South Carolina Bridge Deal Before Requesting a Term Sheet
- Calculate Your True Annualized APR: Enter your loan size, South Carolina closing costs, and expected hold months into our All-In Bridge Loan Cost & Effective APR Calculator.
- Check Your LTC vs. 70% ARV Ceiling: Verify your required down payment and 4-stage construction draw schedule in our Fix-and-Flip LTC & 70% ARV Cap Calculator.
- Stress-Test Your Permanent Takeout: If you plan to hold the property as a rental, confirm your post-rehab NOI clears a 1.20x or 1.25x DSCR test in our Commercial Bridge-to-DSCR Exit Calculator.
- Compare Residential Equity Unlock Options: If you are an owner-occupant buying a new primary residence in South Carolina before selling your departing home, use our Residential Buy-Before-You-Sell Bridge Equity Calculator or compare all lenders in our 5-Step Smart Rate-Match Tool.
Smart Bridge Lender & Rate-Match Engine
Filter verified national and regional bridge lenders by loan purpose, asset class, state, loan size, and borrower credit tier in 30 seconds.
Step 1 of 5: Select Your Primary Bridge Loan Purpose
Step 2 of 5: Property Asset Class & State Location
Step 3 of 5: Target Bridge Loan Amount
Step 4 of 5: Sponsor FICO Score & Track Record
Step 5 of 5: Your Top Underwriting Matches
Showing verified lenders matching your deal criteria, sorted by leverage and underwriting fit.
Kiavi
Best for Tech-Enabled Fix & Flip and Fast Closings
Easy Street Capital
Best for Low-FICO Investors & 48-Hour Term Sheets
Lima One Capital
Best for Heavy Rehab, Ground-Up & Multifamily Bridge
Optional: Email This Deal Sizing & Lender Match Sheet
Save a copy of your underwriting parameters and matched lender checklist to your inbox for your LLC deal folder.